| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $345K | $23K | $368K | 15.72% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 NORTH KIRKWOOD ROAD, SUITE 300 KIRKWOOD, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $118K | $118K | 5.02% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | CONTINENTAL AMERICAN INSURANCE COMPANY | $155K | $0 | $155K | 13.94% |
| AIMEE CECILIA CABRERA3 | 11866 SW 97 TERRACE MIAMI, FL 33186 | CONTINENTAL AMERICAN INSURANCE COMPANY | $74K | $0 | $74K | 6.71% |
| VELOCITY BENEFITS3 | 113 SILKY SULLIVAN WAY CANTON, GA 30115 | CONTINENTAL AMERICAN INSURANCE COMPANY | $55K | $0 | $55K | 4.92% |
| MANUEL A. LEON3 Filed as: MANUEL LEON JR AND OTHER AGENTS | 5000 SW 65 AVENUE MIAMI, FL 33155 | CONTINENTAL AMERICAN INSURANCE COMPANY | $26K | $0 | $26K | 2.35% |
| NATALIA DURAN GUZMAN3 Filed as: NATALIA GUZMAN | 1945 SW 25TH TERRACE MIAMI, FL 33133 | CONTINENTAL AMERICAN INSURANCE COMPANY | $19K | $0 | $19K | 1.76% |
| EILEEN SANCHEZ MEDINA3 Filed as: EILEEN SANCHEZ-MEDINA | 6100 SW 44 TERRACE MIAMI, FL 33155 | CONTINENTAL AMERICAN INSURANCE COMPANY | $18K | $0 | $18K | 1.62% |
| SVETLANA MAGILNER3 | 7400 SW 50TH TERRACE, APT 710 MIAMI, FL 33155 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 0.31% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $53K | $53K | 5.47% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 800 CAPITAL CIRCLE SE, UNIT 2 TALLAHASSEE, FL 32301 | TRUSTMARK INSURANCE COMPANY | $14K | $0 | $14K | 5.05% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | TRUSTMARK INSURANCE COMPANY | $7K | $0 | $7K | 2.72% |
| ENROLLEASE3 Filed as: ONE DIGITAL | UNKNOWN MIAMI, FL 33133 | PREFERRED LEGAL PLAN | $4K | $0 | $4K | 17.89% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 1,740 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 27 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,767 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 165 | $960K |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,740 | $2.3M |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,740 | $2.3M |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,740 | $2.6M |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,740 | $2.3M |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,740 | $2.3M |
| Other(4 contracts, 4 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,394 | $3.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,394 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.